Best Build Credit Card Apps

4.7😐(295K ratings)

Free

#31in Finance

Atlas - Rewards Credit Card screenshot 1

Atlas - Rewards Credit Card screenshot 2

Atlas - Rewards Credit Card screenshot 3

Atlas - Rewards Credit Card screenshot 4

Atlas - Rewards Credit Card screenshot 5

Atlas - Rewards Credit Card screenshot 6

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

What We Love

👍 Easy to use
🚀 Instant credit limit increases
💰 Helpful for rebuilding credit
🤑 Rewards and cash back
🔍 Tracks credit score progress

Room to Improve

🐛 Account verification issues
🤖 Lack of live customer support
💳 Low initial credit limit
🔒 Concerns about account security
💰 Monthly subscription fee

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit

Strong Contender

4.9😐(24K ratings)

Free

#90in Finance

Perpay - Shop and Build Credit screenshot 1

Perpay - Shop and Build Credit screenshot 2

Perpay - Shop and Build Credit screenshot 3

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Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

💳 Easy payment setup
🚀 Fast delivery
🔍 Wide product selection
💳 Builds credit
💳 Convenient automatic payments
🤝 Good customer service

Room to Improve

💰 Overpriced items
🕰️ Slow shipping and approval process
🤖 Poor app performance and glitches
📞 Lack of phone support
🔁 Difficulty with returns and refunds

Seen Mobile - Build Credit by Seen Finance, Inc.

Spend, Track & Build Credit

Worth Considering

Save Money with Lower Interest

4.8😞(34K ratings)

Free

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

What We Love

👍 Easy to use
🚀 Straightforward setup
💡 Helpful customer service

Room to Improve

🐛 Glitches and bugs
🤔 Unclear payment processes
😡 Unresponsive customer support
💰 Unexpected fees and charges

More Build Credit Card apps to explore

Ava: Build Credit Fast

Build positive credit historyCredit builder card for subscriptions and billsSave & Build Credit Account for savings and credit line

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

Apply Now-Instant Cash Advance

100% in-app applicationInstant cash advanceHigh-yield savings account

Apply for a credit card and get instant cash advances directly to your bank account. Build credit and savings with on-time payments, and earn cash back on eligible purchases. Offers a high-yield savings account linked to your card.

Build credit w/o a credit card

Build credit without a credit cardEarn reward points on purchasesNo credit check required for application

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

(9.6K)

Self - Credit Builder & Cards

Build credit for a credit card

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

(338K)

by Elan Financial Services

Elan Credit Card

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

(206K)

Kikoff: Build Credit Quickly

Grow & Monitor Your Credit

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

(279K)

PREMIER Credit Card

by PREMIER Bankcard

Check account balancesMake monthly paymentsMonitor recent transactions

Securely manage your credit card account on the go. Check balances, make payments, monitor transactions, and lock your card. Stay on top of your finances and build credit with convenient 24/7 access.

(608K)

Get Paid Early. Build Credit.

Current - Mobile Banking

Get paid up to 2 days earlyAdvance paycheck up to $750Overdraft fee-free banking

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

Building Credit Smarter

Virtual card access1% cashback on on-time paymentsReal-time notifications

This app offers a credit card designed to help individuals with less-than-perfect credit build their financial future. It provides features like cashback rewards, real-time notifications, and tools to help users improve their credit score and access credit line increases.

(3.5K)

Arro: Build & Grow Credit

Cash Back Credit Builder Card

Build credit historyEarn 1% cash back on gas and groceriesNo deposit required

Build your credit score and earn cash back rewards with this credit builder card. Start with a credit limit up to $300 and grow it to $2,500. Get personalized financial guidance from an AI coach and track your progress with real-time updates.

(1.8K)

Bolster: Get Your Credit Right

Build credit, Dispute errors

Credit building toolsDispute credit report errorsSpending and savings insights

This app helps you build credit history, dispute errors on your credit report, and gain insights into your spending. It offers multiple credit-building tools with no credit checks and a streamlined process for disputing inaccuracies, aiming to improve your financial future.

(558)

Pay Phone Bills & Build Credit

Grow Credit

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

(10K)

Neu Money: Build Your Credit

Build Credit, No Credit Needed

0% APR or No Annual Fee options3% cashback on air travelTap and pay functionality

Build your credit history with flexible card options. Choose between 0% APR with a monthly fee or a card with no annual fee. Enjoy benefits like cashback rewards and easy mobile payments.

(1.6K)

Bright: Loans & Credit Builder

AI Loan Asst > Credit & Loans

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Credit Sesame: Grow Your Score

(284K)

subscription

Manage, Track & Build Credit

Free credit score checksCredit report summariesFree credit alerts

This app helps you manage and improve your credit score and overall financial health. It provides tools to track your credit, understand its impact, and find personalized offers for financial products. It aims to empower users to make smarter financial decisions and achieve their credit goals.

by Atlanticus Services Corporation

(436K)

freemium

Aspire Account Center

Manage credit cardsCheck account balancesView payment activity

Manage your credit cards from your Apple device. Check balances, view transactions, set up alerts, and monitor your credit score for free. Securely access your accounts with fingerprint or PIN.

(161)

Shop Now. Split your payments.

Afterpay: Pay over time

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

🛍️ Shopping

(753K)